, this is part of the historical mission that fha is an insurance program that is backed by the u.s. government. i think that is an appropriate role. we need to make sure there are ample opportunities and avenues for credit elsewhere that do not have -- >> lummi gives him one of the final seconds. >> you can do a risk share program within fha. private risk adverse dollar loss. fha takes the remainder down 30%. the lender is on the hook for anything deeper. >> time of the gentleman has expired. we will call upon two our members and adjourn. mr. green from texas is recognized. >> i thank you in the ranking member for the dinner that we had together to engender a degree of stability -- civility and friendship. i want to show the people that are watching at home that we really did have a dinner. let me start by saying to you that i did not come prepared to defend fha today. i feel compelled to do so. fha did not create the housing crisis. some things bear repeating crude fha did not create the housing crisis. witharted in the 1980's the so-called exotic product. i am sure you remember some of them.